Business Mobile and Internet Banking
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1 Getting Started Welcome to Business Mobile and Internet Banking with Nusenda Credit Union! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Mobile and Internet Banking experience easy and convenient. By adding powerful commercial products and features, Nusenda provides you with the complex tools your business needs to achieve its goals. Although our Business Mobile and Internet Banking shares similar features with our personal accounts, this guide is meant to help you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Internet Banking process. If you have additional questions, contact us at 505-889-7755 (800-347-2838 outside the Albuquerque area).
2 Table of Contents Getting Started Business Internet Banking Overview..........................................................................5 Users........................................................................................................................................5 Recipients................................................................................................................................5 Business Internet Banking Transaction Types ...................................................................6 User Managment Users Overview .............................................................................................................7 User Management Overview................................................................................................8 Adding a New User ...............................................................................................................9 Part 1 of 5: Establishing Transaction Type Rights ............................................................10 Part 2 of 5: Disabling a Transaction Type .........................................................................11 Part 3 of 5: Editing Approval Limits for a Transaction Type ...........................................12 Part 4 of 5: Establishing Rights to Access Features..........................................................13 Part 5 of 5: Establishing Rights to Access Accounts.........................................................14 Editing an Existing User’s Rights ...............................................................................15 Deleting a User............................................................................................................16 Recipients Recipient Overview .....................................................................................................17 ACH Only - Part 1 of 2: Adding a Recipient .......................................................................18 ACH Only - Part 2 of 2: Recipient Account Detail .............................................................19 ACH & Wire - Part 1 of 4: Adding a Recipient....................................................................20 ACH & Wire - Part 2 of 4: Beneficiary FI Detail..................................................................21 ACH & Wire - Part 3 of 4: Intermediary FI Detail ..............................................................22 ACH & Wire - Part 4 of 4: Recipient Account Detail..........................................................23 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient .................................................24 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ...............................................25 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................26 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail .......................................27 Wires Only (International) - Part 1 of 4: Adding a Recipient ...........................................28 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail .........................................29 Wires Only (International) - Part 3 of 4: Intermediary FI Detail......................................30 Wires Only (International) - Part 4 of 4: Recipient Account Detail .................................31 Editing a Recipient ......................................................................................................32 Editing a Recipient’s Templates..........................................................................................33 Deleting a Recipient....................................................................................................34
3 Payments Payment Template Overview ....................................................................................35 Creating a Template ...................................................................................................36 ACH Batch .............................................................................................................................37 ACH Payment........................................................................................................................39 Domestic Wire ......................................................................................................................41 International Wire................................................................................................................43 Payroll....................................................................................................................................45 Sending a Single Payment..........................................................................................47 ACH Batch .............................................................................................................................47 ACH Payment........................................................................................................................50 Domestic Wire ......................................................................................................................52 International Wire................................................................................................................54 Payroll....................................................................................................................................56 Splitting a Payment..............................................................................................................58 Payment From File......................................................................................................59 Importing a CSV file .............................................................................................................59 Importing a NACHA file .......................................................................................................61 Viewing, Approving, or Canceling a Transaction.....................................................63 Single Transaction................................................................................................................63 Multiple Transactions..........................................................................................................64 Editing or Using a Template ......................................................................................65 Deleting a Template ...................................................................................................66 ACH Pass-Thru.............................................................................................................67 Mobile Authorizations ................................................................................................68 Positive Pay (Optional) Introduction.................................................................................................................70 Managing Exceptions .................................................................................................71 Viewing Positive Pay Decisions...........................................................................................73 Add a Check Confirmation.........................................................................................74 Submit Issued Check File ...........................................................................................75 Advanced Positive Pay (Optional) Introduction.................................................................................................................76 Quick Exception Processing.......................................................................................77 Submit Issued Check File ...........................................................................................80 Add New Issued Check File........................................................................................81 Void a Check ................................................................................................................82 Check Search ...............................................................................................................83 ACH Transaction Search.............................................................................................85
4 Exception Items...........................................................................................................86 Daily Checks Issued Summary ..................................................................................88 Transaction Extracts ...................................................................................................89 Account Reconciliation ...............................................................................................90 Check Reconciliation Summary.................................................................................91 Deposit Reconciliation Summary..............................................................................92 ACH Authorization Rules Setup.................................................................................93 Create an ACH Authorization Rule.....................................................................................93 Manage ACH Authorization Rules......................................................................................95 Transaction Filters/Blocks..........................................................................................96 User Setup ...................................................................................................................97 Issued Check File Processing Log........................................................................... 102
Getting Started: Business Internet Banking Overview 5 Getting Started Business Internet Banking Overview Whether you’re an enterprise, large corporation, or small organization, our flexible Business Mobile and Internet Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! Users If your business only needs one person with access to Business Mobile and Internet Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic online banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a Nusenda representative, you can organize which employees get access to different features within Business Mobile and Internet Banking by establishing user roles. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Business Mobile and Internet Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each recipient is saved so you can quickly and easily make future payments.
Getting Started: Business Internet Banking Overview 6 Various types of payment methods are offered through Business Mobile and Internet Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) for a full list of wire and ACH fees or if you have any questions. Business Internet Banking Transaction Types Type Description ACH Pass-Thru Upload a NACHA-formatted file. ACH Payment Send a payment to one recipient. ACH Batch Send a payment to several recipients. Domestic Wire Send a wire to a recipient within the US. Send a wire to a recipient in a different International Wire country. Send payroll to several recipients. If a Payroll recipient has more than one account, you can split that payment into several accounts.
User Managment: Users Overview 7 User Managment Users Overview Depending on your number of employees, owners and company policies, Business Mobile and Internet Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each user is assigned a set of user rights that permits or prevents them from performing certain actions, such as: • Sending or drafting payments and creating templates for certain transaction types • The number of approvals that can be completed in a day or the dollar amount in a specific transaction • Accessing specific accounts • Managing recipients, users, subsidiaries, and templates Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.
User Managment: Users Overview 8 User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights, and oversee your employees on a day-to-day basis. A B D C In the menu, select the Commercial tab, then click Users. A. The following information presents for each user: • Name • Email address • Last login time B. Click the icon to edit a user. C. Locked logins will appear in red. Go to page 14 for more information about unlocking logins. D. You can sort users in alphabetical or reverse alphabetical order by user, email address or last login order by clicking the icon next to the Users column.
User Managment: Users Overview 9 Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile and a unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy. 1 2 3 4 5 6 In the menu, select Commercialcial tab, then click Users. 1. Click the Add User button in the top right corner. 2. Enter the user’s first and last name and email address. 3. From the Phone Country drop-down, select the user’s country and enter their phone number. 4. Create a unique login ID for your new user. 5. Enter a password following our guidelines and confirm it. 6. Click the Save New User Details button at the bottom when you are finished. You will then be taken to the User Policy page to establish the new user’s rights.
User Managment: Users Overview 10 Part 1 of 5: Establishing Transaction Type Rights You start assigning or editing a user’s rights in the Transactions tab, which helps you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve, or cancel. 2 3 1 1. Choose a type of transaction to assign rights for. You can also use the Transaction Filter drop down to narrow your choices. 2. Choose whether a user can draft, approve, cancel, or view a specific transaction by checking the appropriate boxes. • Draft: Create a transaction or template that needs approval from an authorized user. • Approve: Send or accept drafted transactions. • Cancel: Reject a drafted or unprocessed transaction. 3. Use the drop-down to change which transaction activity a user can view. • Own: Can view only their activity. • All: Can view activity of all users. • No: Cannot view activity of any user. Note: Users must have the All view right enabled to approve transactions.
User Managment: Users Overview 11 Part 2 of 5: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as Funds Transfers, an authorized user can disable those rights for individual user. 1 4 3 2 1. Select the transaction type to disable. You can also use the Transaction Filter drop down to narrow your choices. 2. Toggle the switch to Disabled for that specific transaction. 3. When disabling a transaction type authorized user needs to disable the View option in order for the individual user not to be able to see those transactions in their Activity Center. 4. Click the Save button when you are finished making changes.
User Managment: Users Overview 12 Part 3 of 5: Editing Approval Limits for a Transaction Type To give you peace of mind, a user’s approval limits can be adjusted so you never have to worry about the amount or number of transactions they make. You can set these restrictions for a daily and monthly basis as well as per account. 2 3 1 1. Select a transaction type to edit a user’s approval limits. You can also use the Transaction Filter drop down to narrow your choices. 2. Edit the maximum amounts a user can approve or draft and the maximum number of transactions a user can perform. 3. Click the Save button when you are finished making changes.
User Managment: Users Overview 13 Part 4 of 5: Establishing Rights to Access Features When assigning user rights, the Features tab lets you control who can edit templates or manage users, subsidiaries, or recipients. Depending on their User Policy or job roles, some users may have different responsibilities than others. 1 2 3 1. Click the Features tab. 2. Use the toggles to enable or disable features. 3. Click Save when you are finished making changes. Note: If Manage Users is assigned to a user, they can change their own rights. Be sure to limit which users have this feature.
User Managment: Users Overview 14 Part 5 of 5: Establishing Rights to Access Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction histories and making deposits or withdrawals. Note: If no accounts are displayed, click the show unassigned accounts link. 2 1 3 1. Click the Accounts tab. 2. Edit a user’s ability to view, deposit or withdraw in a specific account. • User right is active. • User right is disabled. • User right is locked and cannot be edited. 3. Click the Save button when you are finished making changes.
User Managment: Editing an Existing User’s Rights 15 User Managment Editing an Existing User’s Rights Authorized users with the Manage Users right can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted. 3 1 2 4 In the menu, select Commercialcial tab, then click Users. 1. Find the user you want to edit and click the icon. 2. Click the Assign Rights button. 3. Make the necessary changes to the existing user. 4. Click the Save button when you are finished making changes. Note: For more details on editing user rights, visit page 10.
User Managment: Deleting a User 16 User Managment Deleting a User If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Business Internet Banking login ID, but it does not erase the data from an existing payment using that person. 1 2 3 In the menu, select Commercialcial tab, then click Users. 1. Find the user you want to remove and click the icon. 2. Click the Delete button. 3. Click the Confirm button to permanently remove a user.
Recipients: Recipient Overview 17 Recipients Recipient Overview A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles for each recipient. This allows funds to be sent to or received by them easily and enables you to include them in multiple payments or templates after their profiles are created. A C B In the menu, select the Commercial tab, then click Recipients. A. The following information presents for each recipient: • Name • Email address • Number of accounts they have B. Click the icon next to the appropriate column to sort recipients by display name, number of accounts, or email address. C. Click the icon to make edits to or delete a specific recipient or view payment history.
Recipients: Recipient Overview 18 ACH Only - Part 1 of 2: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 3 2 4 5 10 6 7 8 9 11 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 5. Select a payment type using the Payment Type drop-down. 6. Select the recipient’s account type using the Account Type drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information. 11. Click the button when you are finished.
Recipients: Recipient Overview 19 ACH Only - Part 2 of 2: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the ACH name and ID. 2. Use the drop-down to select the recipient’s country. 3. Enter the recipient’s street address. 4. Enter the recipient’s city. 5. Select the recipient’s state using the drop-down and enter the zip code. 6. Click the Save Recipient button.
Recipients: Recipient Overview 20 ACH & Wire - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 5 10 6 7 8 9 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 5. Select a payment type using the Payment Type drop-down. 6. Select the recipient’s account type using the Account Type drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information.
Recipients: Recipient Overview 21 ACH & Wire - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. 2 3 4 1 1. Enter the beneficiary FI’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the state using the drop-down and enter its postal code. Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.
Recipients: Recipient Overview 22 ACH & Wire - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the State drop-down and enter its postal code. 4. Click the button.
Recipients: Recipient Overview 23 ACH & Wire - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the wire name. 2. Enter the ACH name and ACH ID. 3. Select the recipient’s country using the drop-down, then enter their street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.
Recipients: Recipient Overview 24 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 5 6 9 8 7 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 5. Select a payment type using the Payment Type drop-down. 6. Select Domestic from the Beneficiary Type drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Click the icon to edit or remove a recipient’s account information.
Recipients: Recipient Overview 25 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. 2 3 4 1 1. Enter the beneficiary FI’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the recipient’s state using the drop-down, and enter its postal code. Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.
Recipients: Recipient Overview 26 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the State drop-down, and enter its postal code. 4. Click the button.
Recipients: Recipient Overview 27 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 1. Enter the wire name. 2. Select the recipient’s country using the drop-down, then enter their street address. 3. Enter the city and select the recipient’s state using the drop-down. 4. Enter the zip code. 5. Click the Save Recipient button.
Recipients: Recipient Overview 28 Wires Only (International) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 7 6 5 9 8 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 5. Select a payment type using the Payment Type drop-down. 6. Select Domestic from the Beneficiary Type drop-down. 7. Select the recipient’s account type using the International Account Type drop-down. 8. (SWIFT/BIC Only) Enter the recipient’s account number. 9. Click the icon to edit or remove a recipient’s account information.
Recipients: Recipient Overview 29 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. IBAN 1 2 3 4 Account and SWIFT/BIC 3 Account, IBAN, and SWIFT/BIC 3 1. Enter the beneficiary FI’s name. 2. Select the beneficiary’s country from the drop-down. 3. Depending on your international account type selection, enter either the recipient’s IBAN, SWIFT/BIC, or both. 4. Enter the beneficiary’s address. Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.
Recipients: Recipient Overview 30 Wires Only (International) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 1. Enter the intermediary FI’s name, country, and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the State drop-down and enter its postal code. 4. Click the button.
Recipients: Recipient Overview 31 Wires Only (International) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the wire name. 2. Select the recipient’s country using the drop-down. 3. Enter the recipient’s street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.
Recipients: Editing a Recipient 32 Recipients Editing a Recipient If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Recipient Management page. 1 2 3 In the menu, select the Commercial tab, then click Recipients. 1. Find the recipient you want to edit and click the icon. 2. Click the icon to edit or remove a recipient’s account information. 3. Edit the recipient’s details.
Recipients: Editing a Recipient 33 Editing a Recipient’s Templates When you make changes to an existing recipient, you can view and edit which templates the recipient is assigned to. While viewing their templates, you can change their accounts or edit specific templates. 1 2 3 In the menu, select the Commercial tab, then click Recipients. 1. At the bottom of the page, review the list of templates the recipient is added to and the amount the recipient receives from each payment. 2. Click the Access link to edit a specific template. 3. Click the Save Recipient button when you are finished making changes. Note: For additional information about editing a recipient’s assigned templates, go to page 35.
Recipients: Deleting a Recipient 34 Recipients Deleting a Recipient If you are assigned the Manage Recipient right, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Recipient Management page, but it does not erase the data from any existing payments. 2 1 In the menu, select the Commercial tab, then click Recipients. 1. Click the icon and select Delete to remove a recipient. 2. Click the Delete Recipient button to permanently delete a recipient.
Payments: Payment Template Overview 35 Payments Payment Template Overview If you have frequent repeating payments such as payroll or wires, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions by making a payment model with detailed directions established by an authorized user. Using templates reduces mistakes and saves you time on a regular basis. C A B D In the menu, select the Commercial tab, then click Payments. A. You can find specific templates by using the search bar or filter your templates using the provided filters. B. Click the icon next to the appropriate column to sort templates by name, transaction type, recipient, last paid date, and last paid amount. C. Templates can be saved to your favorites by clicking the icon. D. Click the icon to make a payment, edit, copy, or delete a template.
Payments: Creating a Template 36 Payments Creating a Template If you are assigned Draft or Approval rights, you can create a template for recurring transactions. A template is a pre-made payment model. It contains detailed directions that can be used for repeated transactions. Using a template helps reduce mistakes, assign tasks, and control payments. It’s best practice to use a template if you are sending payments to: • Vendors or suppliers • Collections from members • Payroll
Payments: Creating a Template 37 ACH Batch Depending on your user rights, you can create a template for an ACH Batch. An ACH Batch allows you to send multiple ACH payments. Creating a template helps reduce mistakes and keeps payments consistent. 1 3 2 4 5 7 8 6 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the +Create Template link and choose ACH Batch. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. (Optional) If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the Import Amounts link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. View the users that have access to the template by clicking the link. 6. Select an SEC code using the drop-down. 7. Select the From Subsidiary account. 8. Select an account.
Payments: Creating a Template 38 10 11 9 14 12 13 15 16 17 18 9. (Optional) Click the + Add multiple recipients link to add several recipients at once. 10. (Optional) Use the search bar to locate a specific recipient. 11. (Optional) Click the icon to expand or collapse selected recipients. 12. Select a recipient. 13. Enter an amount. 14. (Optional) Click the icon to copy, remove or expand row on a specific recipient. 15. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 16. (Optional) Enter an addendum. 17. (Optional) You can add another recipient by clicking the +Add another recipient link. 18. Click the Save button.
Payments: Creating a Template 39 ACH Payment Depending on your user rights, you can create a template for an ACH payment. An ACH payment allows you to send multiple payments to multiple recipients. Creating a template helps reduce mistakes and keeps payments consistent. 1 2 3 4 6 7 5 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the +Create Template link and choose ACH Payment. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Enter the template name. 4. View the users that have access to the template by clicking the link. 5. Select an SEC code using the drop-down. 6. Select the From Subsidiary account. 7. Select an account.
Payments: Creating a Template 40 9 13 8 10 11 12 8. Select a recipient. 9. Enter an amount. 10. (Optional) Click the icon to expand, view details, or notify a specific recipient. 11. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 12. (Optional) Enter an addendum. 13. Click the Save button.
Payments: Creating a Template 41 Domestic Wire You can create a template for a wire depending on your user rights. Send a domestic wire to any recipient in your country. Create a template to help reduce mistakes and keep payments consistent. 2 3 4 5 6 1 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the + Create Template link and choose Domestic Wire. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Enter the template name. 4. View the users that have access to the template by clicking the link. 5. Select the From Subsidiary. 6. Select an account.
Payments: Creating a Template 42 9 7 8 10 11 12 13 14 15 7. Select or create a recipient from the drop-down. 8. Enter an amount. 9. (Optional) Click the icon to expand or collapse selected recipients. 10. Check the box to notify a recipient. 11. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 12. Click the Optional Wire Information link to add more information. 13. (Optional) Enter a message to the beneficiary. 14. (Optional) Enter a Description. 15. Click the Save button when you are finished.
Payments: Creating a Template 43 International Wire You can create a template for a wire depending on your user rights. Send an international wire to a recipient across the world. Create a template to help reduce mistakes and keep payments consistent. 2 3 4 5 6 1 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the +Create Template link and choose International Wire. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Enter the template name. 4. View the users that have access to the template by clicking the link. 5. Select the From Subsidiary. 6. Select an account.
Payments: Creating a Template 44 10 8 7 9 11 12 13 14 15 16 7. Select or create a recipient from the drop-down. 8. Select a currency type. 9. Enter an amount. 10. (Optional) Click the icon to expand or collapse selected recipients. 11. Check the box to notify a recipient. 12. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 13. Click the Optional Wire Information link to add more information. 14. (Optional) Enter a Message to the Beneficiary. 15. (Optional) Enter a Description. 16. Click the Save button when you are finished.
Payments: Creating a Template 45 Payroll Create a one-time template for your employee payroll. Send payments to multiple employees and accounts. When you create a template, you can help reduce mistakes and keep payments consistent. 1 3 2 4 5 6 7 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the + Create Template link and choose Payroll. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. (Optional) If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. View the users that have access to the template by clicking the link. 6. Select the From Subsidiary account. 7. Select an account the funds will be taken from.
Payments: Creating a Template 46 9 10 8 13 11 12 14 15 16 17 8. (Optional) Click the + Add multiple recipients link to add several recipients at once. 9. (Optional) Use the search bar to locate a specific recipient. 10. (Optional) Click the icon to expand or collapse selected recipients. 11. Select a recipient or create a new recipient from the drop-down. 12. Enter an amount. 13. (Optional) Click the icon to copy or remove on a specific recipient. 14. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 15. (Optional) Enter an Addendum. 16. Click the +Add another recipient link to a single recipient. 17. Click the Save button when you are finished.
Payments: Sending a Single Payment 47 Payments Sending a Single Payment It is easy to make a single payment once you set up your recipients. You can change your payment types to create ACH payments or wire transfers all from one convenient place. ACH Batch You can draft or create a new ACH Batch payment. You have the option to manually enter a recipient or you can upload multiple recipients using a Comma Separated Values (CSV) document. 1 2 3 4 In the menu, select the Commercial tab, then click Payments. 1. Select a payment type using the New Payment button and choose ACH Batch. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. (Optional) If you would like to upload recipients and amounts from a file, click the Upload From File link. For more information about this option, go to page 59. 4. (Optional) If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the Import Amounts link. This option only appears when more than one recipient is selected.
Payments: Sending a Single Payment 48 5 6 7 8 9 11 12 10 15 13 14 5. Select a SEC code using the drop-down. 6. Select the From Subsidiary account. 7. Select an account. 8. Select the effective date. 9. (Optional) Set up a recurrence. 10. (Optional) Click the + Add multiple recipients link to add several recipients at once. 11. (Optional) Use the search bar to locate a specific recipient. 12. (Optional) Click the icon to expand or collapse selected recipients. 13. Select a recipient. 14. Enter an amount. 15. (Optional) Click the icon to copy, remove, and expand the row on a specific recipient.
Payments: Sending a Single Payment 49 16 17 18 19 20 16. (Optional) Check the box to notify a recipient of an incoming payment. 17. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 18. (Optional) Add an addendum. 19. (Optional) You can add another recipient by clicking the + Add another recipient link. 20. Click the Draft or Approve button depending on your user roles.
Payments: Sending a Single Payment 50 1 ACH Payment You can draft or create a new ACH payment in just a few steps. ACH payments are great for maintaining frequent recurring transactions. 2 3 4 5 6 7 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the New Payment button and choose ACH Payment. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Select an SEC code using the drop-down. 4. Select the From Subsidiary. 5. Select the account the funds will be taken from. 6. Select the effective date. 7. (Optional) Set up a recurrence.
Payments: Sending a Single Payment 51 10 8 9 11 12 13 14 8. (Optional) Use the search bar to locate a specific recipient. 9. Enter an amount. 10. (Optional) Click the icon to expand or collapse selected recipients. 11. (Optional) Check the box to notify a recipient of an incoming payment. 12. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 13. (Optional) Add an addendum. 14. Click the Draft or Approve button depending on your user roles.
Payments: Sending a Single Payment 52 Domestic Wire You can draft or create a new domestic wire. Domestic wires allow you to send funds to any recipient in your country. Make sure you all have the necessary account and contact information before you continue. 1 3 4 5 6 2 In the menu, select the Commercial tab, then click Payments. 1. Select a payment type using the New Payment button and choose Domestic Wires. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Select the From Subsidiary. 4. Select an account. 5. Select a process date using the calendar feature. 6. (Optional) Set up a recurrence.
Payments: Sending a Single Payment 53 9 7 8 10 11 12 13 14 15 7. Select or create a recipient from the drop-down. 8. Enter an amount. 9. (Optional) Click the icon to expand or collapse selected recipients. 10. Check the box to notify a recipient. 11. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 12. Click the Optional Wire Information link to add more information. 13. (Optional) Enter a Message to Beneficiary. 14. (Optional) Enter a Description. 15. Click the Draft or Approve button when you are finished.
Payments: Sending a Single Payment 54 International Wire You can draft or create a new international wire. International wires allow you to send funds to a recipient across the world. Make sure you all have the necessary account and contact information before you continue. 1 4 5 6 2 3 In the menu, select the Commercial tab, then click Payments. 1. Select a payment type using the New Payment button and choose International Wires. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. Select the From Subsidiary. 4. Select an account. 5. Select a process date using the calendar feature. 6. (Optional) Set up a recurrence.
Payments: Sending a Single Payment 55 10 8 7 9 12 11 13 14 15 16 7. Select or create a recipient from the drop-down. 8. Select a currency type. 9. Enter an amount. 10. (Optional) Click the icon to expand or collapse selected recipients. 11. Check the box to notify a recipient. 12. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 13. (Optional) Click the Optional Wire Information link to add more information. 14. (Optional) Enter a Message to Beneficiary. 15. (Optional) Enter a Description. 16. Click the Draft or Approve button when you are finished.
Payments: Sending a Single Payment 56 Payroll You can draft or create a one-time payroll payment to send payments to multiple employees and accounts. Make sure you all have the necessary account and contact information before you continue. 1 3 4 2 5 6 8 7 In the menu, select the Commercial tab, then click Payments. 1. Select a template type using the New Payment button and choose Payroll. 2. (Optional) If you need to change your payment type, click the Change Type link. 3. (Optional) If you would like to upload recipients and amounts from a file, click the Upload From File link. For more information about this option, go to page 59. 4. (Optional) If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the Import Amounts link. This option only appears when more than one recipient is selected. 5. Select the From Subsidiary. 6. Select an account. 7. Select the effective date using the calendar feature. 8. (Optional) Set up a recurrence. Note: If you are splitting a payment, follow through step 8 and then go to page 58.
Payments: Sending a Single Payment 57 11 10 9 14 12 13 15 16 17 18 19 9. (Optional) Click the + Add multiple recipients link to add several recipients at once. 10. (Optional) Use the search bar to locate a specific recipient. 11. (Optional) Click the icon to expand, view details, or notify a specific recipient. 12. Select a recipient or create a new recipient from the drop-down. 13. Enter an amount. 14. (Optional) Click the icon to copy or remove on a specific recipient. 15. (Optional) Check the box to notify a recipient of an upcoming payment. 16. (Optional) Click the Show Details link to view recipient information. Click the icon to edit the recipient. 17. (Optional) Enter an addendum. 18. (Optional) Click the + Add another recipient link to a single recipient. 19. Click the Draft or Approve button when you are finished.
Payments: Sending a Single Payment 58 Splitting a Payment If you are sending payroll to an employee with multiple accounts, you can split their payment per their request. This way your employees have their money how they like without the hassle! 2 1 3 6 4 5 7 8 9 10 Follow the directions up to step 8 on page 56. 1. (Optional) Click the + Add multiple recipients link to add several recipients at once. 2. (Optional) Click the icon to expand, view details, or notify a specific recipient. 3. (Optional) Click the icon and select Split Payment. 4. Select a primary account. 5. Select a secondary account. 6. Enter the amount in the secondary account. 7. Enter the total amount of the deposit in the Total text field. The difference between the total payment and the amount in secondary account adjusts in the primary account. 8. (Optional) Enter an addendum. 9. (Optional) Click the + Add another recipient link to a single recipient. 10. Click the Draft or Approve button when you are finished.
Payments: Payment From File 59 Payments Payment From File If you use a separate accounting software, you can generate a 5-column Comma Separated Values (CSV) file and import it to Business Mobile and Internet Banking. When making a new payment, this allows you to quickly add recipients and amounts to payroll or ACH Batches. Note: Payment From File must be requested and turned on before you will be able to upload a file. Importing a CSV file 2 4 3 1 In the menu, select the Commercial tab, then click Payments. 1. Click the New Payment button and select Payment From File from the drop-down. 2. Using the Import File option and select the CSV file you would like to upload. 3. (Optional) Click the Save Recipients button to save the recipients to your recipients. 4. Click the Upload File to upload the file. Note: The CSV file should contain five columns: Recipient Name, Routing Number, Account Number, Account Type, and Amount.
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